Banco Bradesco S.A. (BBDO)

NYSE: BBDO · State Commercial Banks · Sao Paulo · filing with the SEC since 2002

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Grade6.8

◀ Past 7.7● Present 5.4▶ Future 7.5

5 est.

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

The grade of Banco Bradesco S.A.

Nine metrics read from its own filings, by tense

Headline grade

6.8/10

◀ Past7.740% of the headline

● Present5.435% of the headline

▶ Future7.525% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 4 read as filed from the record and 5 are SI estimates, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

7.7/1040% of the headline grade · 2 of 3 filed, 1 estimated

Surviving crises

as filed

7.8/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 45% of this tense · 78th percentile among 165 sector filers · read for itself

From the record

Banco Bradesco S.A.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

8.5/10

What has it actually done, year after year?

+20% a year over 4 filed years; profit years unseen.

weight 22% of this tense · 85th percentile among 152 sector filers · read for its customers

From the record

Banco Bradesco S.A.'s 4 filed years say what it did: revenue went from BRL 37 billion in fiscal 2007 to BRL 63 billion in fiscal 2010, up 20% a year; it rose in 3 of 3 years; it never fell from a peak (its annual reports).

What it rests on

revenue growth over the filed span20.0%top 20% of its family
the share of years revenue rosetop 13% of its family
the deepest fall from a revenue peak0.0%top 13% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

SI estimate

6.9/10

How has it treated the people who own it?

SI estimate 6.9/10, confidence 35 of 100 (one part).

weight 33% of this tense · 69th percentile among 162 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: Read from one part only, the cash returned against operating cash flow, which ranks in the top 31% of 162 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
What the record cannot read: Fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
How it was reasoned: one part: cash returned against operating cash flow, the one part on file, ranked among 162 in its family.
Confidence: 35 of 100
What would change it: A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Banco Bradesco S.A.'s shareholder treatment is put at 6.9 of 10 with a confidence of 35 of 100, because read from one part only, the cash returned against operating cash flow, which ranks in the top 31% of 162 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income. A filing that carries the missing parts replaces this estimate with the filed reading.

● Present

What are they doing right now?

5.4/1035% of the headline grade · 1 of 3 filed, 2 estimated

Financial health

as filed

4.7/10

Is it financially healthy right now?

ROE 13%: 13¢ of profit per shareholder dollar. Leverage 92%: owes 92¢ per asset dollar.

weight 45% of this tense · 47th percentile among 161 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Banco Bradesco S.A. earned about 13 cents of profit for every dollar of shareholders' money. Leverage: it owed about 92 cents per dollar of assets (the filed statements).

What it rests on

what it owes per dollar of assetsbottom 6% of its family
return on equitytop 12% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

SI estimate

6.7/10

How strong is its position in its industry?

SI estimate 6.7/10, confidence 35 of 100 (one part).

weight 33% of this tense · 67th percentile among 157 sector filers · read for its customers

SI estimate Inferred, not read as filed

Why it is an estimate: Read from one part only, three-year revenue growth, which ranks in the top 33% of 157 in its family; fewer than two of the three parts can be read: size in the family's currency, net margin, three-year growth.
What the record cannot read: Fewer than two of the three parts can be read: size in the family's currency, net margin, three-year growth.
How it was reasoned: one part: three-year revenue growth, the one part on file, ranked among 157 in its family.
Confidence: 35 of 100
What would change it: A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Banco Bradesco S.A.'s industry position is put at 6.7 of 10 with a confidence of 35 of 100, because read from one part only, three-year revenue growth, which ranks in the top 33% of 157 in its family; fewer than two of the three parts can be read: size in the family's currency, net margin, three-year growth. A filing that carries the missing parts replaces this estimate with the filed reading.

Leadership

SI estimate

4.9/10

What are the people in charge doing?

SI estimate 4.9/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 158 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-31 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 7 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 158 members with one.
What the record cannot read: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-31 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 7 months and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned: family median, 158 readings behind it.
Confidence: 20 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Banco Bradesco S.A.'s leadership is put at 4.9 of 10 with a confidence of 20 of 100, because it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-31 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 7 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 158 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

7.5/1025% of the headline grade · 1 of 3 filed, 2 estimated

Room to expand

SI estimate

7.9/10

How much room does it have to grow?

SI estimate 7.9/10, confidence 35 of 100 (one part).

weight 33% of this tense · 79th percentile among 162 sector filers · read for itself

SI estimate Inferred, not read as filed

Why it is an estimate: Read from one part only, cash less debt against assets, which ranks in the top 21% of 162 in its family; the record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue.
What the record cannot read: The record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue.
How it was reasoned: one part: cash less debt against assets, the one part on file, ranked among 162 in its family.
Confidence: 35 of 100
What would change it: A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Banco Bradesco S.A.'s room to expand is put at 7.9 of 10 with a confidence of 35 of 100, because read from one part only, cash less debt against assets, which ranks in the top 21% of 162 in its family; the record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue. A filing that carries the missing parts replaces this estimate with the filed reading.

Growth drivers

as filed

6.2/10

What could actually drive growth from here?

top 38% of 152 in its family for growth drivers.

weight 33% of this tense · 62nd percentile among 152 sector filers · read for its customers

From the record

Banco Bradesco S.A.'s growth drivers, from the filed years to fiscal 2010: revenue grew 20% a year over the last three filed years against 20% over all 4, speeding up (bottom 24% of its family); the newest year grew 16.6% (top 10%); capital spending grew 27.2% a year (top 28%) (its annual reports). Banco Bradesco S.A. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

three-year growth against the whole span+0.0 points a yearbottom 24% of its family
the newest year's revenue growth16.6%top 10% of its family
three-year growth of capital spending27.2%top 28% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

SI estimate

8.3/10

Did its newest year beat what its own record pointed to?

SI estimate 8.3/10, confidence 35 of 100 (one part).

weight 33% of this tense · 83rd percentile among 152 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: Read from one part only, revenue against the prior three years' pace, which ranks in the top 17% of 152 in its family; the record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change.
What the record cannot read: The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change.
How it was reasoned: one part: revenue against the prior three years' pace, the one part on file, ranked among 152 in its family.
Confidence: 35 of 100
What would change it: A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Banco Bradesco S.A.'s expectations vs reality is put at 8.3 of 10 with a confidence of 35 of 100, because read from one part only, revenue against the prior three years' pace, which ranks in the top 17% of 152 in its family; the record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change. A filing that carries the missing parts replaces this estimate with the filed reading.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton BBDO · research, not advice